Terms and Conditions

1. Introduction

Welcome to Ecofamilies (the "App"). These Terms and Conditions ("Terms") govern your access to and use of our mobile application and services. This agreement binds both individual consumers using the app for discounts ("Users") and registered businesses offering discounts through our platform ("Merchants"). By downloading, registering for, or using the App, you agree to be bound by these terms. If you do not agree, please do not use the App.

1.1. Jurisdictional Variations and Local Laws

Our App offers point-of-sale discount services globally as affiliate marketing. However, availability, card eligibility, electronic payment systems, and specific consumer protection rights vary by country. We state from the outset that these terms are designed to cover global operations; where local laws conflict with or impose stricter mandates than these Terms, the local laws of your jurisdiction will apply.

2. The Service (Instant Point-of-Sale Discounts)

• Instant Rewards: Ecofamilies tracks qualifying purchases at participating affiliate Merchants to unlock instant discounts applied directly at checkout.
• No Stored Balances for Users: We do not hold User funds, manage digital cash, or accumulate cashback balances in a user account. No monetary value is held by us or redeemed later for users; all savings are processed at the exact time of purchase.

3. Account Eligibility and Registration

You must be at least 15+ years old (or the legal age of majority in your jurisdiction) to create an account. You agree to provide accurate registration information and maintain the security of your account credentials.

4. The Transaction Fee Ecosystem (Discounts & Service Charges)

This section outlines how transactions, instant discounts, and platform fees are distributed between Users, Merchants, and Ecofamilies at the point of sale:

• The Instant Discount: When a user purchases products or services from a participating merchant, the merchant offers a specified discount percentage (e.g., 10% off a 1,000 total bill). The User receives an instant reduction and pays the net amount (e.g., 900) directly to the Merchant.
• Platform Service Charges: Ecofamilies collects a predefined platform service fee directly from the generated discount total (e.g., a 30% platform fee deducted from the 100 total discount value). Depending on the local infrastructure and region, this service charge is processed either:
  • Option A (International Card Networks): Automatically deducted via tokenized international cards (Visa, Mastercard, etc.).
  • Option B (Local E-Payment Systems & APIs): Automatically or manually processed through regional electronic wallets or integrated third-party APIs.
  • Option C (Alternative Cash Channels): Settled manually via authorized local third-party agents, cash-in networks, or local bank transfers for cash-heavy or non-epayment regions.
• User Responsibility for Manual Payments: If you use Option C, you are solely responsible for ensuring your service charges are paid to an authorized agent on time. Failure to settle outstanding fees will result in the temporary suspension of your account and your eligibility for instant merchant discounts.

5. Merchant Ads

• Forfeiture upon Termination: If a Merchant terminates their account or is banned due to a breach of these Terms, all unspent ad credits remaining in their merchant portal are immediately and permanently forfeited.
• Ad Content Compliance: All ads purchased using portal credits must strictly comply with our internal Ad Content Guidelines. Ecofamilies reserves the right to reject, pause, or remove any video or banner ad that violates safety, human rights, creates any kind of discrimination, violates business ethics, or infringes legal standards.

6. Advertisement Placement and Duration

• Ad Types Available: Merchants may publish both video advertisements and banner advertisements within the application.
• Payment Methods: Advertisements can be secured via direct payment (Paid Ads) or by redeeming bonuses earned through application activities (Bonus Ads).
• Ad Placement Zones: Paid advertisements are displayed primarily on the application Homepage, while bonus-based advertisements are displayed within specific Section Pages.
• Duration Modification Right: We reserve the absolute right to modify, adjust, or change the display duration of any video or banner advertisement at our sole discretion.
• Universal Application: This right applies equally to premium paid homepage placements and bonus-earned section page placements.
• No Liability: We are not liable for any changes made to advertisement run times, formats, or schedules.

7. Modification of Rewards and Bonus

• Absolute Right to Amend: We reserve the absolute and unilateral right to modify, amend, suspend, or terminate the bonus and reward policies at any time.
• Dual Applicability: This right applies equally to all reward systems, point structures, and incentive programs established for both users and merchants.
• Rate Adjustments: We retain sole discretion to increase, decrease, or restructure the earning and redemption rates of points or bonuses without prior notice.
• Activity Eligibility: We reserve the right to add new eligible activities, remove existing activities from the reward program, or change the criteria required to earn rewards.
• No Vested Rights: Accumulation of points or bonuses does not create a vested right, and rewards have no cash value unless explicitly stated otherwise by us.
• Immediate Effect: All changes to the bonus policy become effective immediately upon being updated within the application.

8. User Video Comments and Rewards

• Incentivized Comments: Users may earn bonus rewards by posting comments on merchant video advertisements within the application.
• Prohibited Content: Comments must remain constructive, ethical, and aligned with professional business standards. Users are strictly prohibited from posting content that is defamatory, malicious, disparaging, or harmful to any business, merchant, or third party.
• Content Review: We reserve the right to monitor, review, and moderate all user-submitted comments at our sole discretion.
• Violations and Penalties: Any violation of these business and ethical standards will result in immediate enforcement action.
• Account Sanctions: Penalties for violating this policy may include the temporary suspension of commenting privileges, short-term account suspension, or permanent account termination.

9. Transaction Monitoring and Financial Privacy

By using the App and selecting an electronic payment method (Option A or Option B), you authorize us, your payment card network, and our local processing partners to monitor transactions on your linked account at participating merchants to verify qualifying purchases and calculate fees.

10. Merchant Terms and Returns

Discount offers and participating merchants are subject to change without notice. Return and refund policies are governed entirely by the individual merchant. Any adjustments to an instant discount resulting from a product return will be handled directly through your payment network or card issuer.

11. Disclaimers and Limitation of Liability

The App is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted or error-free discount matching, especially where regional power outages, internet disruptions, local API failures, or merchant point-of-sale glitches occur. To the maximum extent permitted by law, Ecofamilies shall not be liable for any indirect or consequential damages.

12. Termination

You may terminate these terms at any time by deleting your account. We reserve the right to suspend or terminate any account without notice if we suspect fraud, billing evasion, multiple accounts by the same user, or a breach of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction, subject to mandatory local consumer protection laws in your country of residence.

14. Contact Information

For any support or questions regarding these Terms, please contact us at:

• Email: support@example.com
• Support Desk: Contact Support